Dodge Journey Insurance Rates

Estimated insurance prices for a Dodge Journey are $1,284 every 12 months including full coverage. Comprehensive costs an estimated $250 each year, collision insurance costs $424, and liability is estimated at $452. A liability-only policy costs approximately $504 a year, and high-risk insurance costs around $2,778. 16-year-old drivers pay the most at up to $4,918 a year.

Average premium for full coverage: $1,284

Premium estimates broken down by type of coverage:

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and Journey models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are statistically proven to have more infrequent comprehensive and collision claims than congested cities. The graphic below illustrates the difference between rural and urban areas on insurance prices.

These rate differences highlight why all drivers should get quotes for a targeted area and their own driving history, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below breaks down average Dodge Journey insurance rates for other coverage scenarios.

• The best full coverage rate is $748
• Choosing higher $1,000 deductibles can save approximately $152 every year
• The average price for a 40-year-old good driver who has $500 deductibles is $1,284
• Buying low deductibles for comp and collision coverage increases the price to $1,580
• Higher-risk drivers with multiple tickets or accidents could pay up to $2,778
• An auto insurance policy to insure a 16-year-old driver can cost as much as $4,918 each year

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Auto insurance prices for a Dodge Journey also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the model year and trim level.

Opting for high physical damage deductibles can save as much as $450 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $407 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as low as $1,200 annually on average, or $100 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay at least $4,900 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying $1,500 to $2,100 in extra premium annually, depending on your age. Insurance for high-risk drivers ranges from 43% to 130% more than the average rate. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Dodge Journey insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,830 on average in Louisiana, New York, and Michigan.

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Insurance Rates by Trim Level and Model Year

Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for the Best Cheap Dodge Journey Insurance

Finding better rates on insurance for a Dodge Journey takes having a decent driving record, having a good credit score, refrain from filing small claims, and consideration of higher deductibles. Set aside time to compare rates once a year by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The following items are a quick review of the data that was covered above.

• You may be able to save approximately $150 per year just by quoting online in advance
• Insureds who want additional liability coverage will pay around $500 per year to raise limits from 30/60 bodily injury limits to a 250/500 level
• 16 to 18-year-old drivers are the costliest to insure, with the cost nearing $410 per month if comprehensive and collision insurance is included
• Drivers considered higher risk with a DUI or reckless driving violation may have to pay on average $1,490 more annually than a driver with a clean driving record